Related Experiment Video
Updated: May 22, 2025

Characterization of the Sense of Agency over the Actions of Neural-machine Interface-operated Prostheses
Published on: January 7, 2019
Does Proactivity Affect Insurance Solidarity and Individual Responsibility?
Alberto Cevolini1, Elena Esposito2
1University of Modena and Reggio Emilia, University of Bologna, Bologna, Italy.
Abstract:
Over the past 20 years, the insurance industry has been experimenting with technological innovations that deeply affect its business model and social function. This article explores the use of digital technologies to monitor policyholders' behaviour and personalise their insurance coverage. Information extracted from behavioural data can be used to produce individualised predictions and design proactive insurance policies, which aim to prompt policyholders to act on the possibility of future damages before they happen. This innovation could bring many benefits in terms of efficiency (improving loss ratio) and foresight (improving risk assessment), but also a renewed focus on individual responsibility for losses. As a consequence, we argue, the collective management of future uncertainty could be undermined, jeopardising the insurance solidarity that makes mutual protection viable.
More Related Videos
14:43A Novel Method for Involving Women of Color at High Risk for Preterm Birth in Research Priority Setting
Published on: January 12, 2018
06:42Continuous Theta Burst Stimulation of the Posterior Medial Frontal Cortex to Experimentally Reduce Ideological Threat Responses
Published on: September 28, 2018
Related Concept Videos
Social Proof
Bystander Effect
Egoism and Altruism
Fundamental Attribution Error
Actuarial Approach
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
Social Loafing